Last Updated: 07/28/2025
DCU Visa Platinum® Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +71
Strongly recommended7 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
Starting at 11.50%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
Starting at 11.50%(Verified 06/21/2024)
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Credit Score Range
300 - 640
Annual Fee
$0
Number of Reviews
DCU Visa Platinum® Secured Credit Card Review
This is a secured credit card issued by Digital Federal Credit Union. If you're wondering whether DCU Visa Platinum® Secured Credit Card is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Accepts cosigners. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of DCU Visa Platinum® Secured Credit Card
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DCU Visa Platinum® Secured Credit Card FAQ
Does DCU Visa Platinum® Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for DCU Visa Platinum® Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.DCU Visa Platinum® Secured Credit Card has a variable purchase APR starting at 11.50%. The card has a variable balance transfer APR starting at 11.50% . It also has a variable cash advance APR starting at 11.50% .
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does DCU Visa Platinum® Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does DCU Visa Platinum® Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for DCU Visa Platinum® Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does DCU Visa Platinum® Secured Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for DCU Visa Platinum® Secured Credit Card?
The customer service number for DCU Visa Platinum® Secured Credit Card is (800) 328-8797.
What is the support contact email for DCU Visa Platinum® Secured Credit Card?
The support contact email for DCU Visa Platinum® Secured Credit Card is dcu@dcu.org.
What is the login page for DCU Visa Platinum® Secured Credit Card?
You can access the login page of DCU Visa Platinum® Secured Credit Card here.
How do people rate the customer service and user experience of DCU Visa Platinum® Secured Credit Card?
Overall, DCU Visa Platinum® Secured Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?
Yes, DCU Visa Platinum® Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Digital Federal Credit Union perform a hard credit pull?
Yes, DCU Visa Platinum® Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for DCU Visa Platinum® Secured Credit Card
- Visit the website of DCU Visa Platinum® Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
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Hours of Operation
Sunday
Closed
Monday
9:30AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:30AM - 5:00PM
Saturday
Closed